National Insurance Own Damage Bike Insurance

Own-Damage insurance, also known as Standalone Own Damage insurance, covers the cost of damage to your two-wheeler if something Read More

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Premium coverage starts at ₹ 457*

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When you combine this plan with the compulsory third-party insurance, it gives complete protection to both the bike and the rider. Since road accidents can happen anytime, this insurance also gives peace of mind to the rider and their family.

National Third Party Comprehensive Standalone Own Damage Zero Depreciation Claim Renewal Policy Download

Standalone Bike Insurance v/s Third-Party Bike Insurance v/s Comprehensive Bike Insurance.

Features	Own Damage Insurance	Third-Party Insurance	Comprehensive Insurance
Cover your own bike	Covers damages to your bike only	Not covered	Covers damages to both your bike and third-party liabilities
Third-party liability coverage	Not covered	Covers third-party property damage and injuries	Covers both third-party liabilities and own bike damage
Coverage for theft	Yes, bike theft is covered	Not covered	Yes, bike theft is covered
Coverage for natural disasters	Yes, covers natural disasters like floods	Not covered	Yes, covers natural disasters
Coverage for man-made events	Yes, covers vandalism and riots	Not covered	Yes, covers man-made events
Personal accident cover	Optional (through add-ons)	Not included	Available as an add-on
Premium cost	Moderate	Lower, as it only covers third-party liabilities	Higher due to broader coverage
Add-on covers available	Available (e.g., zero depreciation)	Not available	Available (e.g., engine protection, zero depreciation)
Legal requirement	Not required	Mandatory by law	Optional but highly recommended
Best for	Those wanting protection for their own bike	Those seeking basic, mandatory protection	Those seeking full coverage for bike, third-party, and theft

What Is Covered Under a National Standalone Own-Damage Policy?

Here is what a National Standalone Own-Damage Two-Wheeler Insurance policy covers:Damage to your two-wheeler due to an accidentDamage caused by fire or explosionTheft of the two-wheeler or damage that cannot be repairedDamage caused by natural disasters or man-made events

What Is Not Covered Under a National Standalone Own-Damage Policy?

Here is what this policy does not cover:Electrical or mechanical problems in the two-wheelerDamage caused by wrong use or illegal ridingLoss in value due to normal wear and tear over timeAccidents that happen outside the country

Benefits of National Standalone Own-Damage Policy

Here are the main benefits of buying a National Two-Wheeler Own-Damage Insurance Policy:It pays for damage to your bike if something goes wrong, like an accident or other unexpected events.You get a No Claim Bonus for every year you do not make a claim. This bonus increases every year.You can add extra covers to get better protection for your bike.